| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +1.3% | +4.9 pts |
| Share growth (YoY) | +5.7% | +0.7% | +5.1 pts |
| Loan growth (YoY) | +21.1% | -2.4% | +23.5 pts |
| ROA | 4.10% | 0.60% | +3.5 pts |
| ROE | 11.1% | 4.1% | +7.0 pts |
ROA ranks in the 99th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $964K | $598K | $820K | $357K | $10K | 4.10% | 6.65% | 4.00% | 83 |
| Q4 2025 | $925K | $565K | $803K | $347K | $22K | 2.42% | 6.50% | 2.31% | 75 |
| Q3 2025 | $921K | $569K | $764K | $351K | $17K | 2.42% | 6.39% | 2.46% | 75 |
| Q2 2025 | $907K | $560K | $690K | $345K | $11K | 2.53% | 6.30% | 2.88% | 75 |
| Q1 2025 | $908K | $565K | $677K | $339K | $5K | 2.19% | 6.19% | 2.60% | 75 |
| Q4 2024 | $881K | $540K | $667K | $334K | $15K | 1.66% | 6.31% | 2.96% | 75 |
| Q3 2024 | $869K | $530K | $654K | $339K | $14K | 2.08% | 6.41% | 4.65% | 75 |
| Q2 2024 | $851K | $518K | $635K | $333K | $7K | 1.70% | 6.45% | 4.83% | 73 |
Loan mix (Q1 2026): real estate $0 · commercial $0 · consumer $820K · securities $0
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 4.10% | 0.60% | 99th | |
Return on equity Annualized net income ÷ equity or net worth | 11.1% | 4.1% | 89th | |
Net interest margin Interest income − interest expense, ÷ assets | 6.65% | 3.83% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 39.8% | 81.5% | 2nd |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Middlesex, NJ, ranked 60th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Middlesex, NJ | 1 | $560K* | 0.00% | 60th |
New Jersey: 233rd with 0.00% · New York-Newark-Jersey City metro: 319th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1